Living in Germany · Category

Insurance

6 guides on insurance for expats in Germany, each dated and linked to the office that decides.

6 guides · Last updated 2026-10-11

Insurance

Long-Term Care Insurance Germany Expats: Pflegeversicherung 2026

A nursing home in Germany can run past 3,500 EUR a month, and statutory Pflegeversicherung only ever covers part of that bill, as the Bundesgesundheitsministerium's rate schedule shows.

Oct 11, 2026 9 min read 3 official sources

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Jul 25, 20269 min read

Personal Liability Insurance (Haftpflichtversicherung) for Expats in Germany

Personal liability insurance covers the damage you accidentally do to other people or their things. Germany does not force you to have it, but landlords and almost everyone else treat it like it does. Here is the cover and the cost.

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The Sunday briefing

Never miss a rule change

New guides, rule changes with the date they took effect, and the occasional correction. One short email a week, and I write every one myself.